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gwern comments on On the unpopularity of cryonics: life sucks, but at least then you die - Less Wrong
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Another painful statistic I ran into during some terrorism research: in investigating US Army personnel choosing between large lump sums and pensions ($25,000-$50,000 range): pg 48 of http://www.rau.ro/intranet/Aer/2001/9101/91010033.pdf
Enlisted personnel who were planning on leaving had a nominal discount rate of 57.2%.